🚗📦 Delivery Exposures: Employee Vehicles & Non-Owned Auto 🇨🇦
For many Canadian businesses—whether in restaurants, retail, or professional services—deliveries and client visits are part of the daily routine. But there’s a key risk that often goes unnoticed: what happens if an employee is involved in an accident while using their personal vehicle for business purposes?
⚡ The Exposure
• Personal auto policies are designed for personal use, not for regular business deliveries or errands.
• If an employee causes an accident while making a delivery or visiting a client, the injured party may pursue your business for damages.
• Without the proper coverage, your company could face lawsuits, medical costs, and property damage claims.
🛡️ Non-Owned Auto Liability
• Protects your business when employees use their personal vehicles for work-related tasks.
• Covers liability for bodily injury or property damage resulting from accidents during business use.
• Complements, but does not replace, the employee’s personal auto policy.
đź“Ś Why It Matters in Canada
With the rise of food delivery services, e-commerce 📦, and mobile workforces, non-owned auto risks have never been higher. A single accident can bring significant financial and reputational challenges for an unprotected business.
âś… Key Takeaway
If your business relies on employees using personal or rented vehicles—even occasionally—Non-Owned Auto Liability should be an integral part of your insurance strategy. It’s a cost-effective safeguard against a very real risk.
👉 Has your business reviewed its delivery and auto exposures recently?
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